CONTACT US & FAQS

Contact NewDay

NewDay Ltd is a member of the Finance and Leasing Association. They run a conciliation and arbitration scheme to help members and their customers resolve difficulties. For more information, you can visit www.fla.org.uk or write to them at: Finance and Leasing Association, Imperial House, 15–19 Kingsway, London WC2B 6UN.

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and together form part of the NewDay Group of Companies.

The registered office for these companies is: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. The NewDay trademarks are used by NewDay Ltd under licence from NewDay Cards Ltd. NewDay Ltd is registered with the Office of the Information Commissioner – Data Protection Register Entry Number Z272680X

Applying for a Topshop Card

Can I apply for a Topshop Card?

To qualify for a Topshop Card, you must: be 18 years or over, be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel), have a current UK bank account, a home or work and a mobile number, not already have a Topshop Card, have a regular income.

How do I apply for a Topshop Card?

You can apply for a Topshop card in store - just ask members of staff for details. Or you can apply online here.

Can I apply for an additional cardholder on my account?

Yes, you can add up to three people to your account at no extra cost. Additional cardholders must be over the age of 18, be your partner, spouse or other close relative, a UK resident and live at the same address as you. You will be responsible for all use of the card by the additional cardholders; they will also share your credit limit. You can request for any additional cardholders to be added to your account when you first apply. If you are already a cardholder and wish to add someone to your account please call Topshop Card Services on 0844 411 1811. Lines are open seven days a week, 8am – 9pm. Calls will be charged at 5 pence per minute plus your phone company’s access charge. Call costs from mobiles and other operators may vary. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

How do I cancel an additional cardholder on my account?

To cancel your additional cardholder call Card Services on 0844 411 1811. (This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes and to help us manage your account). Please ensure that you cut the additional cardholder’s Card into two pieces as you will remain responsible for the card until it is has been effectively cancelled.

The Representative APR for the Topshop Card is 19.9% APR variable. At least 51% of Topshop applicants will receive an interest rate for purchases less than or equal to this APR.

What is estimated interest?

Account Card providers show on statements an estimate of the amount of interest payable where a customer only makes the minimum payment amount. The estimated amount gives you an indication in advance of how much interest you could be asked to pay on your next statement, and will help you manage your finances more effectively.

The way we calculate interest doesn't change and the interest rate(s) (which can vary) used in the calculation are the same at next month's statement date as they are now;

The amount takes no account of any delayed payment promotions we may offer in the period ahead.

Am I charged if I miss, or make a late payment to my account?

A £12 charge will be applied in each of the following instances:

Late payment fee

Over credit limit fee

Administration fee for returned cheques or direct debits

Can I increase my credit limit?

Yes, any changes to your credit limit will depend on your personal circumstances. You can request an amount and we will then make an assessment. The limit available to our customers is regularly reassessed to ensure we have the appropriate level of credit available. As part of our commitment to lend responsibly, our lending policy ensures that our customers don’t become overburdened with credit. The assessment of the limit available to our customers is based on a combination of external bureau data and internal performance data.

What is the minimum credit limit/what is my credit limit?

The minimum credit limit you will receive with your Topshop Card is £150. Your credit limit will be communicated to you at the point of application and is subject to your individual circumstances. You can find your credit limit on your statement.

Can I request a lower credit limit?

Yes, call Topshop CardServices on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes and to help us manage your account.. Open 8am to 9pm seven days a week. To reduce your credit limit. If we need to reduce your credit limit for any reason, you will be informed in advance.

What should I do if I don’t recognise a transaction on my account?

Please contact Topshop Card Services straightaway on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes and to help us manage your account. Open 8am to 9pm seven days a week

How much will I have to pay to my account each month?

The minimum payment will be the sum of:(i) the amount of any interest, and Default Fees charged to your Account plus(ii)1% of the remaining balance shown on your statement plus(iii) the amount of any arrears, subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable too.

How are payments applied to my account?

If you do not pay the Account balance in full in any month, NewDay will apply your payment to the statemented Transactions as follows:

It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.

If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: Cash Transactions, payment protection insurance premiums, Balance Transfers, other Special Transactions, Purchases and other Transactions. If you have more than one Special Transaction at the same rate, your payment will be applied first to the Special Transaction that has the earliest Promotional Period end date.

Where an Account fee is charged in connection with a Transaction or Special Transaction, it will be applied by reference to that Transaction type. Otherwise it will be applied after other Transactions as set out in 2. above. We will apply any remaining payment to Transactions not yet shown on your statement in the same order as set out above.

Why would you change my interest rate?

We may change interest rates to reflect rate moves in the market, or if your personal circumstances change. We will always give you at least 30 days’ notice in writing of an interest rate increase, and another 30 days to tell us that you would like to close your account and pay down the balance at the existing rate.

What should I do if I am experiencing financial difficulties?

If you are experiencing financial difficulties, or having problems meeting your payment obligations, you should contact Topshop Card Services on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes and to help us manage your account..

Managing a Topshop Account

How often will I receive my statement?

You will receive your statement monthly when you spend regularly, or have a balance on your account. If you do not have a balance you will receive a statement at the minimum intervals as required by law.

Can I change the date I receive my statement?

Unfortunately this is not possible.

How can I make a Payment to my account?

When making payments please always quote your account number, this is the 16 digit number found on the top right hand corner of your statement. You do not need to contact us to confirm receipt of payments. You can pay your account using any one of the following methods:

By Direct Debit – You can set up a Direct Debit to pay the minimum payment amount, the full balance or a fixed amount on your card automatically every month. You can also set up a Direct Debit using the Online Account Manager under ‘Manage payments’. Alternatively, you can call Topshop Card Services on 0844 411 1811 *

By Post – Please send your payment at least seven working days before the payment due date. Please do not send post-dated cheques or cash. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line and send to NewDay Ltd, PO Box 218, Rotherham, S98 1NS.

At any bank – Please make your payment by cheque or cash at least five working days before the payment due date by using the Bank Giro Credit slip attached to your statement – your bank may charge a fee for this service. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line.

At any Arcadia store - Please use the payment slip from your statement to pay at any Arcadia store. You can pay by Cash or Debit Card. Payment by Cheque or Credit Card cannot be accepted. Please allow up to 5 working days for the payment to be credited to your account.

*Lines are open seven days a week, 8am – 9pm. Calls will be charged at 5 pence per minute plus your phone company’s access charge. Call costs from mobiles and other operators may vary. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

Contact Details

What if I have a query about my Topshop Card?

Queries regarding your account should be directed to NewDay Ltd who operate the Topshop Card on behalf of Topshop. Topshop Card Services can be contacted on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

What should I do if I have not received my Topshop Card?

If you do not receive your Topshop Card within 10 working days of a successful application, you should make NewDay aware by calling Topshop Card Services on 0844 411 1811. Lines are open seven days a week, 8am – 9pm. Calls will be charged at 5 pence per minute plus your phone company’s access charge. Call costs from mobiles and other operators may vary. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

How can I change my personal details?

If you need to change your personal details you should call Topshop Card Services on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes and to help us manage your account. .

If you wish to make a change to your name you must write to NewDay providing a copy of a document, which confirms your name change (for example, a marriage certificate), for verification purposes. Please send your letter to: NewDay Ltd, Customer Services Department, and PO BOX 700, Leeds LS99 2BD.

How do I report my card lost or stolen?

If your card is lost or stolen, you should report this to NewDay immediately by calling Topshop Card Services on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes and to help us manage your account. .

What if I have a complaint about my Topshop Card?

If you have a complaint, please write to:

Complaints Department NewDay Ltd
PO BOX 700
Leeds
LS99 2BD

If we do not resolve your complaint internally to your satisfaction, you can refer it to:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

You may find it helpful, before you are entitled to go the Financial Ombudsman Service, to make use of the Finance and Leasing Association’s conciliation scheme to resolve your complaint. You can write to:

NewDay Ltd is a member of the Finance and Leasing Association. They run a conciliation and arbitration scheme to help members and their customers resolve difficulties. For more information, you can visit www.fla.org.uk or write to them at: Finance and Leasing Association, Imperial House, 15–19 Kingsway, London WC2B 6UN.

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and together form part of the NewDay Group of Companies.

The registered office for these companies is: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. The NewDay trademarks are used by NewDay Ltd under licence from NewDay Cards Ltd. NewDay Ltd is registered with the Office of the Information Commissioner – Data Protection Register Entry Number Z272680X